Better Alternatives to get Miles (vs the KrisFlyer UOB Account)

In my last post, I wrote about how I was misled by the influencers who worked on the #KrisFlyerUOB campaign to believe it was a good account, when it really wasn't. Now that we've seen how lifestyle influencers are capable of royally screwing up reviews related to financial products, how about brands start giving the sponsored posts to the financial bloggers instead? A few folks have asked … [Read more...]

Krisflyer UOB Influencers’ Campaign Reeks of Dishonesty?

If I were to believe what all the influencers on the #KrisFlyerUOB campaign said, I'd think the account and debit card is a wonderful deal. Except that it is not. Now, here's where it gets interesting. I personally thought it was a terrible product, but apparently all these (realllllllly popular) influencers don't seem to share my views. In fact, they had nothing but praises for it! I'll … [Read more...]

Fly to London for $400+ (all inclusive) on Norwegian Air!

Screen-Shot-2017-04-21-at-1.13.51-am.png

Saw this on the news today and I was thinking to myself that this is too good a deal to miss, and it'll be a crime not to share!   A return trip to London typically costs about $1000, so this sounded a little too good to be true and I decided to check it out for myself.   Since the flights by Norwegian would only commence in September, I tried looking at the November - December fare … [Read more...]

DIY Budget Trip to Cinque Terre

IMG20170404142442.jpg

Seeing how the local tours (in Florence, which was my anchor city for this trip) were charging over 100 euros per person for a tour to Cinque Terre, we decided to DIY our own in order to cut down on costs! In doing so, we managed to spend only 1/3 of what we would have originally spent if we went with the tour group! Here's how we did it: - Purchase a train ticket to La Spezia (we used … [Read more...]

Resources for a Budget Wedding

17620291_1438259446246772_7121379450080200924_o.jpg

Riddle: What's the most expensive one-day affair in Singapore? If you guessed weddings, you got that right. With the costs of the average Singaporean wedding ranging from $40,000 - $70,000, it is no surprise that more and more couples are looking for ways to reduce this figure. After all, wouldn't it make more sense to spend it on your new home instead (which you'll be living in for years to … [Read more...]

How I Taobao-ed my wedding gown (and why it may make more sense to rent locally)

Getting your wedding gown(s) - Should you Taobao or rent locally? Being a Taobao bride can really help you to save a lot of money on your wedding outfits, accessories, decor, and more! There are even vendors offering video editing services, invitation card designs and prints on Taobao, and other related services. You'll just have to be good at using keywords to find all these hidden gems. … [Read more...]

Should I get a bridal package or go ala-carte?

Photo-11.jpg

Between convenience and quality, which do you value more? Bridal Packages If you answered convenience, then bridal packages may be easier for you as they can offer a great deal of convenience to brides who are too busy to take care of the nitty gritty details. This can include your pre-wedding shoot, printed albums, makeup and hairstyling, corsages and bridal bouquet, your gowns and suits, … [Read more...]

Giveaway: The Future is Female Conference Tickets

Do women make better investors than men? What "special" feminine traits or instincts might we have that could potentially give us an advantage over our male counterparts? While investing success doesn't necessarily boil down to gender differences - whether biological or psychological - there's no denying that it has been mostly the men who have been receiving recognition for their investing … [Read more...]

DIY Your Pre-Wedding Shoot (for all budgets!)

The-best-thingsto-donate-%25281%2529.jpg

Should couples spend on the pre-wedding shoot? Or is this an unwarranted expense? In the Western world, most brides wouldn't dream of letting their groom see them in their wedding dress before the big day. On the other hand, pre-wedding shoots are hugely popular in Asia, with some couples shelling out a bomb for these photos. Before we went for ours, I deliberated going to Korea to shoot ours … [Read more...]

What We Can Learn from Starhub (Dividend Darling Turned Nightmare?)

Starhub used to be a darling stock for most dividend investors. With a generous track record over a decade of paying out a relatively high dividend yield, its business is also fairly defensive and recession-proof. There have been a few good articles about Starhub's recent slash in dividends, which you can read here, here and here. In this post, I'll be looking at the red flags that signalled … [Read more...]

Are hackers outsmarting our banks in their security measures?

Screen-Shot-2017-02-22-at-5.47.52-pm.png

A year ago, news first emerged that hackers may have found a new way to outsmart our banks in their security measures, even after they introduced their 2-FA authentication protocol where consumers would have to key in a One-Time Password (OTP) sent to their mobile phone whenever they make an online transaction using their credit card(s). Their method? Just hack into the victims' mobile phone, … [Read more...]

Will Trump’s Policies Result in a Stock Market Crash?

Screen-Shot-2017-02-06-at-12.42.47-am.png

Last week, the Business Times published a great article - Markets are underestimating the risks of accelerating inflation written by Neil Behrmann - which I thought was worth a second look. In the nutshell, the author believes that there will be rapid inflation coming our way, especially with Trump's policies, and that this could be a sign of an impending market crash. I quote some parts of … [Read more...]

Housing Finances – How Much Will Your First BTO Cost You?

Although we’ve yet to apply for our BTO, I’ve been asked to share my plans and financial calculations, so here goes! Hopefully this will help those of you who need a guide on how to plan your finances for your housing needs. I previously wrote about waiting for the February 2017 BTO launch, but unfortunately neither Bukit Batok nor Sengkang appealed to my fiancé and I as we prefer to stay … [Read more...]

How to get FREE money for ang baos you’ll have to give out during CNY

Screen-Shot-2017-02-01-at-8.18.21-pm.png

Aside from the food, blackjack and family reunions, my favourite part of Chinese New Year includes receiving my annual ang baos (red packets filled with money - a Chinese New Year tradition in Singapore). After all, who doesn't like free money?! With the wedding just around the corner, this year's CNY visitations were particularly significant as it marked the last time I can get my ang baos. … [Read more...]

Women In Investing – Interviewing Lauren Templeton

Screen-Shot-2017-01-16-at-10.26.51-pm.png

Warren Buffett. Benjamin Graham. Peter Lynch. Philip Fisher. George Soros. John Templeton. Where are the females among the world's most recognised investment legends? A look at Investopedia's list of the world's greatest investors shows that there's none. Among the money managers, only 2% of hedge funds are run by women, although a large percentage of them are in the top performers of the … [Read more...]

2017 (Monthly) Money Saving Challenge

dawn_moneysavingchallengeq1-%25281%2529.jpg

Now that a brand new year has started, this is the time where many people typically decide to improve their personal finances as part of their New Year's resolutions. One popular savings challenge that has been attempted for many years is the classic 52 week money challenge: Week 1: Save $1 Week 2: Save $2 Week 10: Save $10 Week 30: Save $30 Week 52: Save $52 By the end of the … [Read more...]

Readers’ Challenge: Financial Resolutions for 2017

Financial-Resolutions-To-Achieve-for-2016.png

Last year, I gave out a free financial pack to readers, challenging you guys to kickstart your financial journey and make 2016 the year you got your finances in order. Over hundreds of you emailed me asking for the list of resolutions, with some of you mentioning that you wanted to print and put it in your wallet as a daily reminder. I'm looking at this list again now and I still find this a … [Read more...]

2016: Did I Meet My Financial Goals for This Year?

Screen-Shot-2016-12-31-at-4.02.07-pm.png

With 2016 coming to a close, I decided to take a look at how I fared this year and whether I had met the financial goals I'd set for myself. When I first started this blog as a financial notebook to keep an account of all my learnings on this personal finance journey, my initial focus in 2014 was all about cutting down expenses and maximising my savings. In 2015, I achieved my goals of … [Read more...]

Asia Honeymoon Itinerary – Japan / Korea / Taiwan

Screen-Shot-2016-12-23-at-12.12.23-am.png

TAIWAN HONEYMOON ITINERARY If you're looking for a cheap but romantic destination in Asia, Taiwan is one of my favouritie countries to visit. I highly recommend visiting, and it is a place that I always find myself coming back to! Go during January - March if you're a fan of the cold, so you can snuggle up with your other half while being bundled in pretty coats. It isn't too chilly either … [Read more...]

Be Careful of Sneaky Bank Charges

If we're not careful about banking fees, we'll be losing a lot more than we gain from the bank. I learnt this first-hand when I didn't monitor a savings account I had opened during my university days. I always thought just keeping it aside would be safe, but boy, was I wrong. By the time I realised it, the bank had deducted hundreds of dollars from my account to pay for the "account … [Read more...]